Investors in XRP have been anticipating this point for seven years; let's examine potential outcomes moving forward.
In a significant development for the cryptocurrency market, XRP, the digital asset created by Ripple, is poised for growth following regulatory clarity and the approval of exchange-traded funds (ETFs).
After five years of legal battles, the U.S. Securities and Exchange Commission (SEC) and Ripple reached a landmark settlement in August 2025, confirming XRP's status as a non-security in secondary markets. This ruling brings an end to major regulatory uncertainty and marks a significant shift for XRP, moving it into a regulated asset category with clearer rules, enhancing institutional confidence and adoption prospects.
Regarding XRP ETFs, there is a strong wave of applications, with more than 11 major asset managers filing proposals. Bloomberg analysts assign a 95% probability of approval for XRP ETFs by the end of 2025. Although some decisions have been delayed, issuers have amended their filings following SEC feedback, signalling careful regulatory consideration rather than outright rejection.
The approval of XRP ETFs is expected to substantially impact XRP’s price by easing traditional investors’ access to XRP without the need for direct token ownership or crypto wallets. This institutional inflow potential could drive significant demand, possibly propelling XRP to new price highs. XRP reached an all-time high above $3.40 in July 2025, and analysts project it could climb to around $4 in the near term and potentially as high as $8 by mid-2026, supported by growing institutional adoption and product offerings like the ProShares Ultra XRP ETF launched in July 2025.
However, it's worth noting that the approval of XRP ETFs may not have a sustainable effect on the token's value due to XRP's centralized nature. Unlike other major cryptocurrencies like Bitcoin, which are usually earned through a process called "mining," XRP was launched by Ripple to standardize transactions on the Ripple Payments network. Ripple holds about 41 billion XRP tokens and releases them gradually to meet demand, adding to the existing supply of 59 billion tokens.
In summary, the regulatory clarity combined with the anticipated XRP ETF approvals forms a bullish outlook for XRP’s price and institutional role in the crypto ecosystem. With XRP confirmed as a non-security in secondary markets and multiple XRP ETF applications under SEC review, the future looks promising for this digital asset.
[1] CoinDesk (2025). SEC and Ripple Drop Cross-Appeals, Ending Five Years of Legal Battle. [online] Available at: https://www.coindesk.com/business/2025/08/15/sec-and-ripple-drop-cross-appeals-ending-five-years-of-legal-battle/
[2] The Block (2025). SEC Delays WisdomTree's XRP ETF Decision to Late October. [online] Available at: https://www.theblockcrypto.com/post/1111584/sec-delays-wisdomtrees-xrp-etf-decision-to-late-october
[3] Forbes (2025). XRP Soars to New Record High as Regulatory Clarity Boosts Institutional Adoption. [online] Available at: https://www.forbes.com/sites/billybambrough/2025/07/19/xrp-soars-to-new-record-high-as-regulatory-clarity-boosts-institutional-adoption/
[4] Bloomberg (2025). XRP ETF Approval Probability Hits 95%, Analysts Predict Price Surge. [online] Available at: https://www.bloomberg.com/news/articles/2025-07-13/xrp-etf-approval-probability-hits-95-analysts-predict-price-surge
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